Commercial Trucking Insurance Specialists

Trucking Insurance in San Carlos California, and San Francisco CA

Trucks are the working vehicles of the automotive industry, designed to provide all the power needed to get things from one place to another. There are literally millions of trucks on the nation’s roads, and while they’re critical to our economy, even the safest trucks represent a serious risk for the companies operating them.

Large trucks are involved in hundreds of thousands of collisions each year, which means that every single truck has a genuinely high chance of needing to file a claim.

ISU Lovering Insurance Services can help you achieve the best rates, only the coverage you need, and superior ongoing support.

Trucking Insurance for commercial truck drivers

What Does Commercial Trucking Insurance Cover?

Commercial trucking insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Primary Liability

Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or ensure that the leased operator carries it on their own.  Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

  • Limits up to $5 Million
  • Uninsured Coverage
  • Underinsured Coverage
  • Property Damage
  • Medical Payments Coverage
  • Additional Insureds Available

Physical Damage

Provides coverage for repair or replacement due to damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

  • Stated Value on commercial vehicles
  • Actual Cost and Replacement Cost Values on PPV’s
  • Low Rates on Total Insured Values
  • Deductible options from $0 to $5,000
  • Non-owned Trailers
  • Trailer Interchange Coverage
  • Roadside Assistance Options

Cargo Insurance

Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

  • Many cargo categories available
  • Limits up to $250,000
  • Deductibles from $0 to $5,000
  • Reefer Breakdown

Truckers General Liability

Simply put, General Liability guards you, your business, and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts.

  • “General Liability”
  • Limits up to $10 Million
  • Low Premium Cost
  • Additional Insureds Available

Occupational Accident

Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent.

Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

Truck driver standing in front of red truck

Semi Truck Insurance

Semi-trucks are a special category when it comes to insurance. These vehicles face two major threats when they’re out on the roads—collision (as we described above) and theft. Reports have noted that theft is becoming increasingly professional in nature, and the average loss is in the hundreds of thousands of dollars. If you have several trucks robbed at the same time, it’s not hard to see how quickly those losses could put you out of business.

Our semi-truck insurance policies are designed to meet these changing threats and provide you with the support you need if something goes wrong. We’ll work with you to get incidents resolved as quickly as possible so that your truck can get back on the road—most trucking companies don’t have spare vehicles sitting around, and we know how important it is for you to keep your fleet in top condition at all times.

Since 1935

Consistent Quality

As a local agency in business for more than eight decades, we have the knowledge and experience necessary to drive personalized insurance solutions for our neighbors in San Carlos and surrounding California communities.

Years in Business
States Licensed
Insurance Companies
Team Members


I have been with Lovering Ins. since about 1966. And my parents before that.
Thanks for the continued outstanding service.

Start Your Commercial Trucking Insurance Quote

ISU Lovering Insurance Services agents will work with you to determine what the limit on your policy should be. Whether you’re just now starting your company or looking for a better rate now that your company has grown, our agents are ready to assist you in any way they can.